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International mortgages

DNB Luxembourg offers loans secured by your permanent or second home in Spain or France. A loan facility is a flexible and good solution and the entire mortgage process is quality assured by us together with professional lawyers and notaries who have extensive knowledge of local conditions.

General conditions for property financing

Loans are granted secured by your international property on the following terms:

First priority mortgage in the property you buy

Loan to value of maximum 70% of the lowest of the purchase amount and the appraised value

Possibility to apply for up to ten-years interest only period

Maximum duration of the loan 30 years

Floating interest rate for a period of 3, 6 or 12 months

Fixed interest can be offered for 3, 5 or 10 years

Loans can be granted in different currencies (multicurrency loan facility)

Useful information

When buying a property outside Norway, you must comply with the tax legislation in at least two countries. The property must be specified as assets in the Norwegian tax certificate. In the first year, you must declare this yourself to obtain tax deduction for debt interest on your home. You will be sent an annual statement confirming this.

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Open an account

Opening an account in DNB Luxembourg is part of the loan process. The account will be used to debit interest and instalments on your loan and can also be used for investments, deposits and the payment of various charges.